What One Financial Aid Expert Learned as a Parent

What One Financial Aid Expert Learned as a Parent

What One Financial Aid Expert Learned as a Parent

Amy Glynn has spent more than 20 years working in higher education and financial aid leadership.

But when she recently helped her daughter navigate the college search and financial aid process, she found the experience surprisingly difficult.

After interacting with more than 20 institutions, Glynn said the process often lacked clarity, consistency, and straightforward communication around cost and affordability.

Her experience reinforces broader national data. According to Strada research, only one-third of students and families describe the financial aid process as seamless or easy to understand.


Why financial aid friction creates barriers for students

For many students and families, financial aid information is fragmented across multiple systems and formats.

Cost of attendance may appear in one portal. Scholarships may appear somewhere else. Aid eligibility and financing details are often separated as well.

Even standard programs like the Western Undergraduate Exchange are presented differently by institutions, making comparisons difficult for families trying to make enrollment decisions.

Glynn argues that institutions need to simplify the process by delivering clearer, more integrated financial aid communication.


What institutions can do differently

Glynn’s recommendations are intentionally simple.

Institutions should provide financial aid offers in formats families can easily access and understand. Terminology should remain consistent across systems and communications: students should not need to navigate multiple portals to determine what college will actually cost.

She also argues institutions should adopt a more human-centered approach when students and families contact financial aid offices with questions.

The goal is not only transparency. It is reducing uncertainty during one of the most consequential decisions students make.


Why financial aid teams are under extraordinary pressure

Glynn emphasizes that financial aid professionals themselves are not the problem.

Institutions are managing rapidly changing regulations, complex compliance requirements, outdated technology systems, and staffing limitations simultaneously.

Financial aid offices are balancing federal requirements, state regulations, institutional budgeting pressures, and student support responsibilities all at once.

This creates a broader institutional challenge rather than an individual staffing issue.


Why presidents should pay attention

Financial aid communication has become a student success issue.

Glynn points to another critical statistic: nearly 87 percent of students who stop out of college cite financial barriers as a major reason for leaving.

At a time when more than 42 million Americans have some college but no credential, reducing financial friction may be one of the most important student-centered strategies institutions can pursue.

Transcript

Wes (00:00.898) Amy, I understand that your daughter graduates from high school tomorrow. Is that right? Tomorrow. Big day. Big day. OK.

Amy Glynn (00:08.959) Tomorrow, 10 a.m.

Fake t-

Wes (00:16.142) No, no, no, I’m going to change the subject from the graduation to the year prior to graduation. You’ve been looking at higher ed institutions with your daughter, and I know you’ve made some campus visits, and she’s very fortunate to have a parent who has very deep expertise in enrollment, in financial aid, in all the details in higher education.

Amy Glynn (00:19.199) Okay. Okay.

Amy Glynn (00:30.239) Mm-hmm.

Wes (00:44.407) And I would love to hear your experience and how that went for you and your daughter as you were looking for higher education institutions that fit for her.

Amy Glynn (00:55.455) Yeah, I wish I could tell you that 20 plus years in higher ed and financial aid was an advantage for us as we shopped universities, but unfortunately, I’m not sure that it was. The process was very difficult, a little bit disenfranchising as someone who has communicated with students about cost and affordability for so long. And I’ll share with you that

That financial friction that we’ve talked about where students just are not getting the information they need in a consumable way about cost, affordability, value is really real. Stratus research actually showed that only one third of students and parents found it to be a seamless, good, understandable process.

And we interacted with over 20 institutions across the nation. And I can’t say that a third of them did it well.

Wes (02:03.106) So that’s not, I mean, we’ve got this really persuasive anecdote coming from one of our, you know, most highly proficient financial aid experts that you could have out there looking. I mean, you’ve run financial aid at institutions, you understand this, and we have the strata data that tells us that only a third of students and parents had a seamless.

experience in this or a smooth experience. So we’re seeing this anecdotally as well as in the data.

Amy Glynn (02:39.957) Yep. Yeah, we absolutely are. And I would say, if I could give advice, I would remind institutions to get back to basics. Communicate.

Wes (02:51.309) What does that look like?

Amy Glynn (02:53.759) you know, this is gonna sound really crazy. It means that you send a paper financial aid offer letter or you send an offer letter in a PDF format to a family. You don’t send them out to your student information systems portal where they have to find cost of attendance in one place, scholarships in another, financial aid in another. Some institutions portals only give you the information per semester, not per year.

We are in Arizona, so we have access to WUE, which is the Western Undergraduate Exchange, which is a tuition reduction for students who attend. And I can tell you, institutions all display it differently. Some take it right out of their cost of attendance, some list it as a scholarship, some do something else with it. And so there’s no consistency even within the awarding of the same fund type across all of the institutions.

So we need to get back to basics. We need to use the same terminology that we’ve all agreed to in the NASPA Principles of Excellence. We need to look at best practice and communicating cost, comprehensive cost and affordability. And we need to be a little bit more humanistic when a family calls in with questions for our aid offices.

Wes (04:18.464) Amy, is really, it’s very basic. We need to get back to the basics is what I’m hearing.

Amy Glynn (04:25.374) We do, but Wes, I also feel like as much disappointment as I have for the experience and concern that I have for students who don’t have a parent who’s familiar with the industry. I also need to say like being a financial aid professional right now is not easy. The technology is not built to match the needs of the financial aid system that we have. The regulatory environment is not about creating the best student experience.

Wes (04:41.879) Right.

Amy Glynn (04:54.056) and institutions are trying to balance the demands of the Department of Education and their state regulatory bodies with the needs of their students. We all know that institutions are being very, they’re being very deliberate about budgeting, about hiring, about expenses. And so for presidents to hear that.

high quality staff, that high quality technology and investing in those student experiences around financial aid is really, really important. 87 % of students who have stepped out of school said that some form of financial barrier is the reason that they left, right? We have 42 million students on college with no degree and 87 % of them are saying that it is financial barriers that is causing them to step away from their education.

Wes (05:35.0) Right.

Wes (05:46.264) So every president should perk up at this conversation to be like, hey, need to have some, this is an area that requires and deserves presidential attention.

Amy Glynn (06:00.242) It does. Attention in a very thoughtful, inquisitive manner. I just want to remind people, now is not the time to attack. Everybody has the best intentions that are working with our students. So just keeping that in mind as we ask the right questions about what does our student experience look

Wes (06:23.788) Yeah, we can attest to the pressure of the financial aid systems at every institution and the personnel because we’re working on executive rulemaking, I mean, on week-to-week basis and things are changing and deadlines are insane. It’s just a really tough time to be able to manage that side as well as focus on student transparency, reducing financial friction.

Amy Glynn (06:39.443) Yes.

It is.

Wes (06:50.818) communicating very clearly when regulations are changing on a timeline that’s almost unthinkable in the past.

Amy Glynn (07:01.396) It truly is. Yes, it is unbelievable what is being managed right now. And that’s why we need the right systems and structures in place to be able to navigate this more seamlessly in the future.

Wes (07:16.334) Well, Amy, we appreciate you bringing your parental experience as well as your experience as a higher ed administrator and professional. Thanks for joining us today.

Amy Glynn (07:27.765) Thanks for having me.

How UMGC Is Building Accountable AI Around Student Outcomes

How UMGC Is Building Accountable AI Around Student Outcomes

How UMGC Is Building Accountable AI Around Student Outcomes

UMGC’s AI strategy starts with governance

University of Maryland Global Campus is approaching AI adoption with a clear institutional principle: innovation only matters if it improves outcomes for students.

President Gregory Fowler describes a strategy built around governance, measurement, and practical implementation rather than experimentation for its own sake. The university has already implemented institution-wide AI training and established an AI Governance Board to ensure adoption remains aligned with institutional mission and student support goals.

The approach reflects a broader shift happening across higher education. Institutions are moving beyond curiosity about AI and focusing on how it can responsibly improve student success and operational effectiveness.


Why UMGC built a closed AI testing environment

UMGC launched nebulaONE as a controlled environment where faculty and staff can safely test AI tools, concepts, and workflows before wider deployment.

More than 300 team members are already using the platform.

The goal is not unrestricted experimentation, it is structured evaluation that allows the institution to identify where AI creates value, where it falls short, and how it can be implemented responsibly.

This type of infrastructure is becoming increasingly important as institutions look for ways to balance innovation with governance and accountability.


How AI is being applied to support students

UMGC is focusing AI adoption on practical student-facing applications.

Conversational AI is helping identify and support struggling learners earlier in the student journey. In the Registrar’s Office, transcript review processes that were previously manual are now partly automated, allowing staff to focus more attention on complex cases that require judgment and intervention.

Career Services has also integrated AI into resume review and mock interview preparation. These tools provide students with more opportunities for practice and faster feedback than traditional one-on-one support models alone can provide at scale.

The focus throughout is operational support that strengthens human-centered services rather than replacing them.


Why measurement matters in AI adoption

AI should function as a strategic enabler, not a replacement for teaching, advising, or institutional judgment.

That requires continuous measurement.

UMGC is evaluating adoption rates, operational outcomes, and areas where systems underperform. The institution then adjusts implementation based on those findings.

This approach reflects a growing expectation across higher education that AI adoption should be tied to measurable student impact rather than broad claims about innovation.


What accountable innovation looks like

The question is no longer whether AI is interesting or technically capable. The question is whether institutions can deploy it ethically, transparently, and in ways that genuinely improve student outcomes.

For UMGC, accountable innovation means governance, human oversight, operational measurement, and a consistent focus on serving learners more effectively.

Transcript

0:03
When we talk about innovation at UMGC, I tell our team all the time we’re not here to chase bright, shiny objects.


0:10

Our approach to AI has been deliberate.


0:13

We’re providing AI training for every team member,


0:15

as a baseline, not as an aspiration.


0:18

We established an AI Governance Board to make sure adoption stays aligned with our mission and our obligation to our learners.


0:25

And we adopted nebulaONE as a closed environment where faculty and staff can test new tools, concepts, and strategies.


0:32

More than 300 team members are using it now.


0:35

That infrastructure matters.


0:36

Because the real question is not whether AI is interesting, it is whether it actually helps us serve students better.


0:42

So we’re being very specific about where to apply it.


0:45

Conversational AI now guides earlier outreach to learners who may be struggling.


0:50

In our Registrar’s office,


0:51

transcript review, which used to be largely manual, is now partly automated – freeing staff members to focus on the cases that need real judgment or intervention.


1:01

Similarly, Career Services have integrated AI into resume editing and mock interviews, giving students more practice and faster feedback than we could ever provide one-on-one.


1:10

Let me be clear.


1:12

AI is not replacing teaching, advising, or judgment.


1:15

It is a strategic enabler.


1:17

The way we know it is working is through measurement of outcomes, of adoption, of the areas where it comes up short.


1:24

Then we adjust based on what we learn.


1:27

That is what accountable innovation looks like here – 


1:29

practical, ethical and always tested against the benchmark of whether it genuinely serves the people who partner with us on their learning journeys.

Financial Friction Is Still the Barrier We’re Not Fixing

Financial Friction Is Still the Barrier We’re Not Fixing

Financial Friction Is Still the Barrier We’re Not Fixing

Strada Education Foundation released its Student-Centered Enrollment Management Principles, a timely and necessary framework for a system that too often asks students to navigate complexity without clarity.

At their core, these principles emphasize something students and families have been saying for years: they need transparency, predictability, and trust in the college decision-making process.

And yet, the current reality tells a very different story.

This year, I experienced the process not as a policy professional or a financial aid professional, but as a parent. My high school senior applied to nearly 20 institutions. Of those, only one provided a complete financial aid offer before decision day. Many institutions are still reviewing scholarship applications while simultaneously pressuring students to commit.

That disconnect isn’t just frustrating, it’s inequitable.

When students are asked to make one of the most significant financial decisions of their lives without full information, we are not just creating confusion, we are reinforcing what I’ve long described as financial friction: the unnecessary complexity that stands between students and their ability to enroll, persist, and complete. After watching my own student navigate this process, that insight feels more relevant than ever.

In the book, Student Financial Success: A Surprising Path to Fix the College Completion Crisis, my co-authors and I argued that the system itself, not students or institutions, are often the root cause of these breakdowns. And we offered three simple principles to guide a better path forward:

  • Chart a personal path
  • Unlock every dollar
  • Cut through complexity

What I saw this year reinforced just how far we still have to go.

Students can’t unlock every dollar when aid packages are incomplete or delayed. They can’t effectively chart a personal path without clear, comparable financial information. And instead of helping them cut through complexity, too many of our current processes add to it.

Strada’s principles make clear that incremental change is no longer enough. Achieving real results will require institutions to rethink long-standing practices:

  • From opacity to transparency in pricing and aid
  • From institutional timelines to student-centered timelines
  • From fragmented processes to coordinated, student-first systems

This is not just about improving enrollment outcomes. It’s about addressing the root cause of why students stop out in the first place. As we highlighted in Student Financial Success, financial barriers not academic ones are often the primary driver of attrition.

If we are serious about access, equity, and restoring trust in higher education, then aligning to student-centered principles isn’t optional; it’s foundational. Because a student-centered system doesn’t just recruit students. It ensures they can afford to say yes, with clarity, confidence, and a real path to completion.

The question isn’t whether we agree with these principles. It’s whether we are willing to change enough to achieve them. So I’ll ask my colleagues across higher ed: If students can’t see a full, clear financial picture before they’re asked to commit, are we truly student-centered?

Transcript

Wes (00:00.172) Amy, if a president asked you what’s the single most student-centered change that we can make right now to reduce the financial aid friction, if you were using the Strada principles as the guide, what would you tell them to do in the next 90 days and why?

Amy Glynn (00:20.446) Yeah, so I think if a president asked me that question, I’d say the most student-centered move you can make in the next 90 days is to try and eliminate uncertainty around how much students will actually pay for college at the point that they need to make that enrollment decision. So only a third of students and families reported a straightforward financial aid experience in Stratus assessment. And so we need to evaluate how financial aid is delivered so students aren’t piecing together

cost of attendance, financial aid eligibility, scholarships, net price, financing options across multiple systems, right? That’s a lot of data to try and pull together from a lot of different places. So instead, they should be experiencing a clear integrated funding plan where the math is done for them. They’re using standard terminology and the student can just see what college is gonna cost, but how it will be covered and the options that exist to address any remaining gaps.

One practical step I’d urge every president to take is walk through their own financial aid notification process as a student would. Because if it’s not clear to our leadership in higher education, it’s almost certainly not gonna be clear to students. But when I say that, Wes, I wanna be really clear, financial aid professionals are not the barrier here, right? Like they are so underwater with everything that’s going on. They’re operating in outdated systems, limited staffing.

Wes (01:33.292) Yeah, absolutely.

Amy Glynn (01:48.872) We don’t even need to get into the increased compliance complexity right now and they’re still trying to serve students. So this change is not intent, it’s scaffolding. Institutions need the time, the staff, the integrated systems that allow financial aid enrollment teams to deliver that timely, complete and student-ready information. And we know this matters because financial barriers drive the vast number of stopouts.

Wes (01:54.193) right.

Amy Glynn (02:19.382) Nearly 87 % of students who leave school do so for one of two or three financial reasons. And we know that we have 42 million students with some college no degree. So that’s, I’m not gonna do the math, can’t do the math, but like that’s a lot of students that are being impacted by the financial friction. So put really simply, the way that we begin to solve the completion crisis is by reducing financial friction through a personalized funding path.

that helps every student unlock every dollar possible so that they can move forward with clarity and not guesswork around how they’re gonna pay for school.

Wes (02:56.43) Amy, I love your emphasis on transparency and providing clear communication to the student. think if presidents follow that North Star, can’t go wrong.

Amy Glynn (03:09.354) Thanks, I agree.

Wes (03:12.002) Thanks, Amy.

Accountable Innovation with AI: Building Trust in Higher Education

Accountable Innovation with AI: Building Trust in Higher Education

Jessica Smagler, Head of Research and Outcomes, Kyron Learning

Across higher education, the most common question about AI is no longer “what can it do?” It’s “how do we know it will behave?” That question reflects something important about where the sector stands right now: enthusiasm is no longer the barrier to adoption. Trust is.

Trust in AI isn’t built through promises – it’s built through systems. Without clear internal accountability structures, AI tools operate on good faith alone – and good faith isn’t a governance model.

Institutions evaluating AI-powered tools should look for four interlocking commitments, treated not as product features but as obligations: guardrails, benchmarks, educator control, and a foundation in learning science.

The first line of that accountability is governance – specifically, the guardrails that define how AI is permitted to behave.

Guardrails Built for Learning

AI chatbots routinely welcome off-topic conversations, taking focus away from intended course content and derailing learning goals. Without strict guardrails to ensure that AI behavior stays aligned with education, safety, and institutional expectations, the integrity of the learning experience is at risk.

In the edtech space, guardrails should operate at two levels. One is educational, making sure the AI stays within lesson boundaries, supports reasoning without shortcuts, and redirects students who go off course. The other is around student security and privacy, ensuring student data is protected, sensitive information is automatically redacted, and access to systems remains tightly controlled. And these guardrails should be structural rather than add-ons, built into how the system works from the ground up, not applied as a filter after the fact.

Neither layer is visible to students but both matter to the administrators and instructors who are responsible for what happens in their courses. Together, these are guardrails that institutions can trust and hold companies accountable to, because in education, responsible behavior must be verifiable, not assumed.

Benchmarking for Measurable Results

Guardrails define how an AI system should behave. Benchmarking is how companies prove that it does – and how institutions can hold them to it. Without continuous measurement, guardrails are a promise rather than a practice.

In practice, benchmarking should also operate at two levels. Continuous benchmarking should be run against real learner interactions to detect behavioral drift and measure ongoing alignment with learning objectives. Periodic broader evaluations – run across curated datasets in multiple academic domains – should test for safety, instructional integrity, and consistency.

Critically, institutions should expect AI providers to share benchmarking results openly. A track record that institutions can point to is what separates accountable innovation from well-intentioned experimentation.

End to End Educator Control

AI should amplify great instructors – not replace them. Human oversight is an essential component of AI-powered instruction and should extend across the entire learning cycle, from content creation to the student experience.

At Kyron, for example, no lesson reaches a student without educator review and approval. Instructors set the learning objectives that shape what our AI generates, and retain full editorial control before anything is deployed. This process ensures that what students experience is always aligned to institutional goals.

Educator control should not end once a lesson is deployed to learners. Products should offer visibility into what students are struggling with in aggregate and at the individual learner level, allowing faculty to intervene, adjust, and improve. Insight into misconceptions creates a feedback loop that keeps instructors and institutions informed on student progress.

Grounded in Learning Science

Responsible AI providers don’t stop at governance and oversight. They are also accountable for whether students actually learn. Rooting instruction in established learning science frameworks – like Chi and Wylie’s ICAP model and Vygotsky’s Zone of Proximal Development – isn’t just good teaching. It is a standard that AI providers should hold themselves to and a standard institutions should expect when adopting AI-powered instruction.

Decades of research have made clear that real learning doesn’t happen by giving students answers. It happens when students are encouraged to think critically, reason logically, and develop conceptual understanding. It happens when lessons are intentionally structured to achieve clear learning goals.

A landmark study by Graesser and Person found that 92% of student questions focused on surface facts rather than deeper reasoning, meaning most misunderstandings go undetected and unaddressed. Because students can so easily appear engaged without building true conceptual understanding, instruction must be intentionally designed to surface reasoning and guide deeper thinking.

When AI providers root their tools in learning science, they are making a verifiable commitment to student outcomes – not just a promise of engagement.

This is Accountable Innovation

AI in education demands more than innovation, it demands accountability. Institutions have a right to ask AI providers how they know their tools will behave, and AI providers have an obligation to answer concretely. Organizations using AI must do so in ways that are safe for students and transparent to institutions. By setting guardrails and benchmarks, keeping educators in control throughout, and grounding tools in learning science, we can be confident that we are innovating responsibly.

At Kyron, our commitment to safe, accountable AI has helped us build enduring partnerships with institutions like Miami Dade College and Western Governors University, while creating opportunities to collaborate with forward-looking colleges like Rio Salado College and established curriculum companies like McGraw Hill. When we answer questions with evidence rather than promises, we build the kind of trust that makes responsible AI adoption possible, both for our partners and for the students they serve.

Interested in learning more about Kyron Learning? Visit www.kyronlearning.com or connect with our team to get started.

Why Earnings Alone Cannot Define Higher Education Accountability

Why Earnings Alone Cannot Define Higher Education Accountability

Why Earnings Alone Cannot Define Higher Education Accountability

Why the accountability debate is more complicated than it looks

Higher education accountability is increasingly centered on earnings outcomes. The assumption is straightforward: students earn a credential, enter the workforce, and their salaries reflect institutional quality.

But Glenda Morgan argues the reality is far more complex.

Earnings are not produced by institutions alone. They are shaped by geography, labor markets, career pathways, industry structures, and personal choices. Treating salary as a direct institutional output ignores the broader systems that influence economic outcomes.

That distinction matters because accountability systems shape policy, funding, and which programs institutions choose to sustain.


Why earnings are not a clean institutional metric

A graduate’s salary reflects more than where they studied.

Regional differences play a major role. Urban and rural labor markets produce different wage outcomes, even for students with similar credentials. Cost of living also affects salary structures. The same graduate may earn dramatically different wages depending on location.

Career pathways matter too. Some professions have highly structured salary trajectories, while others develop more gradually over time.

Morgan’s argument is that earnings are a systems-level outcome, not a simple cause-and-effect institutional measure.


Why median earnings can distort accountability

Median earnings simplify complexity into a single number.

That can obscure important differences between programs and professions. High-variance programs may produce both very high and very low earners. Low-floor professions may provide critical public value despite lower salaries.

Morgan also argues that earnings snapshots fail to account for long-term trajectories. Some fields produce immediate returns, while others develop more slowly over the course of a career.

Research shows that liberal arts graduates, for example, may initially earn less than engineering graduates but eventually narrow or surpass those gaps over time.


What accountability systems should measure instead

Morgan argues for a more nuanced accountability framework.

Completion rates should play a larger role, particularly given the scale of students with some college but no credential. Time to degree also matters because delays increase cost and debt burdens.

Geography, labor markets, and career variation should be incorporated into outcome measures. Accountability systems should recognize that different programs produce different types of value and different earning trajectories.

Most importantly, institutions should be evaluated using multiple measures rather than a single earnings metric.


Why this matters for public policy

The design of accountability systems influences institutional behavior.

If metrics are too narrow, institutions may reduce investment in socially valuable professions with lower earnings outcomes. That could worsen shortages in fields like teaching, counseling, and social work.

The challenge for policymakers is to build systems that value outcomes without oversimplifying how education, labor markets, and society actually interact.

 

Read Glenda Morgan’s article Earnings Data Are Driving Policy—and Misleading It” for more insights.

Transcript

Wes (00:26.786)  Morgan, thank you for joining us today and welcome to the President’s Forum Podcast.

Glenda Morgan (00:47.604) Thanks and it’s a pleasure to be here.

Wes (00:50.488) Hey, your article argues that it isn’t just a measurement of earnings that’s the problem. It’s actually a causality problem. So it’s very detailed in laying that out for us, but earnings are being attributed to institutions when they’re actually produced by systems. Can you explain that to our listeners and tell us a little bit about why that distinction matters?

for how we design accountability in public policy for higher education.

Glenda Morgan (01:26.25) Sure, yeah, you know, in a lot of the accountability discourse that’s going on, earnings are often treated like a clean institutional output. know, somebody goes to college or university, they graduate, they have earnings and they’re seen as a, you you’ve got cause and effect. But actually what happens is much more complex than that, is that somebody goes to university, they take one of a variety of different kinds of programs.

and then they graduate. But what they actually earn is a product of all different kinds of things. It is a product of where they graduate, are they going to be living in urban or rural kind of setting, but also what kind of a job they’re going into. Some jobs have very determined pathways, others are much more flexible.

And so you’ve got these multiple causality things going on and so what people are actually earning after they graduate is the result of multiple factors all acting together. So it’s not just cause and effect. It’s a highly complex kind of a system. So holding one aspect of that responsible for the outcome is just a crazy sort of setup.

you know, because what’s actually happening is you’ve got all kinds of things interacting to produce a highly variable.

Glenda Morgan (03:21.268) It makes sense to everybody, you know, where you live is going to determine what your costs of living are. And it also sort of determines what you’re paid. I mean, it’s so ingrained in us to understand that, but somehow it hasn’t made its way into the metrics yet. You know, it’s not just urban and rural. It’s also, I mean, there’s a regional aspect that I didn’t write about because my colleague Phil has written about that. But where you live determines a lot of

your costs but it also determines where you’re paid. I used to work for Gardner and they actually you know it was a fully remote company but they actually linked your your salary to where you were living. There were high cost places and low cost places.

Wes (04:05.432) Yeah, that makes sense. Well, in this paper, you also mentioned you described three types of programs that have very different earning structures. And the three programs that you lay out are pipeline programs, high-variance programs, and low-floor programs. First, can you just describe what each those are, each program is for our listeners? And then…

I’d love to get into some of the details of measuring those and why one single median measurement doesn’t quite work.

Glenda Morgan (04:43.114) Sure, as we go on, just want to be sure to call out Ithaca, which my little article was based on their research. Ithaca SNR did some great research on South Carolina, but it’s broadly applicable. So much depends on the kind of the program and then the pathway out of that program for graduates out of there. And they identified three. So the first one are pipeline programs. This is where

You graduate from a program and your pathway is pretty determined. You’re something like nursing where, you know, there are a couple of different paths you can take, but it’s pretty set. And your salaries are in some ways determined by that pathway. And so they’re somewhat predictable. Another one is engineering, you know, how you progress and where you go. You you’ve got certifications and things like that that you do, but it’s certainly set.

And then you’ve got much more flexible kinds of programs. Sorry. High variance programs. this, you know, with a pipeline program, your career and what you’re going to do after you graduate are are largely determined by the program that you’ve done.

Wes (05:58.563) high variance programs.

Glenda Morgan (06:15.136) With high variance programs, it’s less a profession than a set of opportunities. So something like business and even computer science, I would argue, are high variance programs. So they’re not only in terms of what you’re actually going to do is going to vary a lot. You can go to lots of different kinds of places and it’s really up to you in terms of what you’re going to do and what you’re going to make of that, but also your salary, what you’re actually paid.

is going to determine is going to vary a lot. So you’re to have a huge variation in terms of earnings and pathways and occupations. It’s really not determined by the actual degree. It’s determined by what your interests are and how you progress in that. I, for example, I have a PhD in political science, you know, and

you could have become, I could have become a professor or I chose to become an industry analyst and it’s the ultimate high variance kind of programs. And then you’ve got low floor programs and these are sort of, they’ve got elements of both of those in that there’s a big variation in terms of what people do, but earnings are traditionally fairly low. So things like social work, counseling,

often the arts as well. So there’s a lot of variation in terms of what people do, but the floor tends to be pretty low as well in terms of what they make.

Wes (07:49.358) Could we lump in like teaching, mental health programs? Yeah, okay. So these are programs that we actually really do need.

Glenda Morgan (08:03.59) Absolutely, yes. You know, as a society, we rely on those kinds of things. But they have traditionally been paid less. In part, you know, there’s somebody who writes about librarians, for example, who talks about vocational awe, you know, where everybody really admires what they do, but they aren’t prepared to pay for it. And so you’ve got these low-floor kinds of things.

Wes (08:31.79) Okay, so when you take a median, when you just break that down and take one number out, how does that not yield the accountability that we’re actually looking for?

Glenda Morgan (08:47.914) So, you know, people often think about medians as being better than averages and they are, but, you know, they aren’t accounting for the variation across that. Particularly, I think the most egregious example is the high variance programs because a median is just telling you, you know, the middle of between the bottom and the end. And it’s not sort of really telling you in general how people are going to do there, but they’re certainly not capturing

the value of the input as well. There’s a logic breakdown there because what people are earning is determined by the system, not by the actual input of the beginning. It’s just the beginning point that we’re putting a lot of emphasis on and it’s not really a valid measure of anything.

Wes (09:44.674) Well, it just seems that those three different types of programs could create a little bit of a problem having, just evaluating that one number, particularly at the end of the day, when you’re looking at social value of some of these low floor careers and the credentials that are required for that.

Glenda Morgan (10:10.014) Yeah.

Wes (10:14.146) We have, you can’t get rid of all of these credentials because they don’t provide you the economic return that some other careers might because you need them for society. How do you deal with that?

Glenda Morgan (10:28.82) Yeah, you know, that’s a slightly different thing than I argued in the piece, but I think, you know, we have to think about what we need as a society. I remember, as it happens, I’m South African originally. And there was this sort of amazing moment where I sort of understood things in a much deeper kind of way. I was just before I came to the US, it was the end of apartheid.

And as it happened, I went to the University of Cape Town, one of the best universities in the continent of Africa. And I remember hearing a conversation and it was a time of rapid change. There was this guy who was on the Board of Governors, the Board of Regents of the University of Cape Town. He was a businessman, very successful. He said,

My job is to understand the role of the university. And so, for example, in the College of Medicine, we have to provide doctors to the whole of the society. And, you know, as a businessman, I understand inputs and I understand outputs. And if we only get one kind of input, we’re only going to have one kind of output.

So we need multiple kinds of inputs in order to provide doctors for all the different parts, know, for rural, for plastic surgeons, for orthopedic surgeons, for all these different kinds of things. And so I think in terms of our accountability, we need to think of the same sort of thing, inputs and outputs, you know, we need social workers, we need teachers, we need these kinds of things. So we need to make sure that we produce them because we’re going to hurt if we don’t.

Wes (12:23.086) Right, right. Well, you know, that’s clearly the the when you’re talking about we don’t just measure inputs. We do want to look to outcomes. You’re I mean, that’s speaking President’s forum language. We’ve been talking about that for a long, long time. But look, we can’t just we can’t measure accountability by, you know, the way that education is provided, whether that’s in person or online or.

Glenda Morgan (12:34.208) Yeah.

Wes (12:51.16) We can’t just look to the inputs, but inputs and outputs can both be important. Boiling it down to one specific earning number is more complicated than it seems, but let’s get to the, if we’re redesigning this system, tell us what you would build if it were a ground up build on accountability. Well, how would you do it?

Glenda Morgan (13:16.734) We’ve got 43 million Americans with some college no credential. And I think…

Wes (13:49.538) Ha

Glenda Morgan (14:14.472) you know, you can have the best earning credential in the business, but if you’re not actually getting the credential, it’s not going to help you. So I think, you know, including more metrics there, including completion, time to degree, those kinds of things, you know, is sort of is part of that. And really developing a more nuanced measure of that. So including regionality.

including urban versus rural, those kinds of things. So that’s sort of how I would start to design it more from the ground up. But I would put heavily an emphasis on if somebody actually is going to college that they’re coming out of it with a degree or a credential of some sort.

Wes (15:01.878) I love that thinking and that does get forgotten when it’s just one metric after, if you’re just looking at earnings, you’re not seeing all of the non-completers and the cost to the system that that is.

Glenda Morgan (15:15.455). Yeah, no, absolutely. And then they’re stuck with the debt often. And it’s just a sort of nightmare. So I want that to be part of the part of that sort of calculation, but also, you know, thinking also in terms of where people going and how they’re doing. The other thing we haven’t talked about is also time, which I wrote about in the in the article is that, you know, a snapshot in time is not going to give you a

a great measure because some of these professions, for example, the pipeline things are relatively high earning right out the gate, whereas other ones are slow brewing. So there are studies that show that right out the gate engineering graduates earn much more than say, science people. But in the long term, the liberal arts actually catch up and overtake.

I think just looking at snapshots in time is problematic. You need a longer term measure.

Wes (16:26.22) I’m glad you brought that up because that’s a huge variance and it’s really important to capture. It’s hard to capture. It’s very difficult. I don’t know if there’s a clean way that you can do that, but your point is some of these take a much longer time than five years out your credential. They brew over a career.

Glenda Morgan (16:44.768) Yeah, absolutely. Yeah, no, absolutely. And, you know, going back to the median issue, I’ve just been rereading Todd Rose’s The End of Average. And a lot of people have some issues with the book, but I sort of really like it. It’s that, you know, when you’ve got things that don’t correlate, you’ve got multiple measures that don’t correlate, just using an average really gives you a bad result. You know, he uses the example of

Wes (16:55.086) Mm-hmm.

Glenda Morgan (17:10.096) airplane cockpits. Originally they were designed for the average person but turns out nobody’s actually average. Because you’ve got these multiple measures, know, and so we need to sort of bring multiple measures into things instead of using that median of just the earnings.

Wes (17:28.398) Right, well this has been a very interesting conversation Morgan. We will direct our listeners to your piece on this so they can read all the details and we would love to continue this conversation as things move forward with accountability during this administration and future administrations. We really appreciate your thinking about this.

Glenda Morgan (17:37.269) Bye.

Glenda Morgan (17:51.134) my absolute pleasure and lovelies to speak with you. Okay, thanks.

Wes (17:54.616) Thanks, Morgan.